Take the Stress Out of Quality Dental Care with Payment Plans and Flexible Payments

An Account for Everyone

Choose the buy now, pay later account that suits you best.

NOTHING TO PAY TODAY

Choose how you pay - weekly, fortnightly or monthly.

SHOP JUST ABOUT EVERYWHERE

Shop at all your favourite places, online and instore, with the Zip app.

REWARDS

Earn exclusive cashback offers when you shop.1

Most popular

Up to $1,000

Interest free always

For everyday spending, from fashion to fitness, eyewear to electronics, pet care to bills.

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Interest free always
Flexible repayments
No establishment fee
$9.95 monthly account fee

^Zip Pay. Minimum monthly repayments are required. A is monthly account fee of $9.95 applies and is subject to El change. Pay your closing balance in full by the due date each ai month and we'll waive the fee. Available to approved m applicants only and subject to completion of satisfactory e credit assessment. Other charges may be payable. Fees and r charges subject to change. T&Cs apply. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.

Tap to pay everywhere Visa is accepted^

Over $1,000

Bigger purchases

For buying that road bike, new sofa or renovating your home.

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Interest free for first 3 months

Retailers may offer longer interest free terms (6-60 months). At conclusion of the interest free period, interest will be charged at the standard variable rate of 25.9% per annum.

Flexible repayments

Enjoy the freedom to set your schedule to weekly, fortnightly or monthly.

One-off establishment fee

A one-off establishment fee may apply for new customers.

$9.95 monthly account fee

Waived if you have nothing owing.

Interest free instalment plans

For purchases over $300 we'll automatically set you up to repay in equal instalments to help you avoid interest charges.^^

Frequently Asked Questions

Get All the Support You Need, When You Need It by Exploring the Help Centre or by Contacting Our Team at Zip HQ in Sydney.

Is Zip Suitable for Everyday Purchase?

Zip is perfect for everyday purchases and offers the ability to transact just about everywhere, so you can manage all your expenses in one place and repay on a schedule that suits you.

To shop instore, Zip Pay users can tap to pay at checkout.^ To get started with tap to pay, simply navigate to the Zip app and click on the pay tab in the bottom menu. From there, you can follow the prompts to set up your card and add it to your Apple Pay or Google Pay wallet.

To shop online, use the Zip mobile app and generate a single-use card at the checkout anywhere Visa is accepted.
Where Can I Shop With Zip?

See the full list where you can shop with Zip: https://zip.co/au/shop

Shop everywhere online where Visa is accepted with Zip's single-use card feature on the Zip mobile app.^ Or shop anywhere instore you see Zip at checkout - we're partnered with 40,000+ retail stores.

Additionally, you can use your Zip account to pay BPAY bills and buy gift cards for food, fuel and subscriptions.
How Do Repayments Work?

Repayments are automatically direct debited from the payment method that you added when you created the account. You can change the payment method at any time and the frequency of your payments to weekly, fortnightly or monthly as long as you're covering the minimum monthly repayments. Choose what works best for you
What Are the Fees?

With Zip Pay a $9.95 monthly account fee applies, we will waive the fee if you pay your statement closing balance in full, by the due date.

With Zip Money a $9.95 monthly account fee applies which is waived if you have nothing owing.
How Do Refunds Work?

If you return goods to a retailer and they agree to a refund, your Zip account will be credited with the agreed refund amount. The funds will then be put towards your owing balance or depending on the refund amount your account may be placed in credit.
Is Zip a Buy Now, Pay Later Like Afterpay, Klarna, Humm and Latitude?

Yes! Zip allows you to shop just about everywhere, online and instore. We give you the flexibility to set your repayment schedule to suit your lifestyle - choose weekly, fortnightly, or monthly. You can also pay your bills, buy gift cards and earn rewards when you use the Zip app.

Zip Pay. Minimum monthly repayments are required. A monthly account fee of $9.95 applies. This fee is waived each month you pay your statement closing balance, in full, by the due date. Available to approved applicants only. T&Cs apply.

^Tap to pay in store available with Zip Pay only. Use the Card everywhere that Visa contactless payments are accepted in store. Card T&Cs apply. Single use card available with Zip Pay and Zip Money only. Use the Card everywhere that Visa contactless payments are accepted online. Card T&Cs apply.

^^Zip Money. Available to approved applicants only. Any repayment advertised will repay the transaction balance within the interest free period (excluding a monthly account fee of $9.95 and a one-off establishment fee which may apply for new customers). Under the contract, minimum monthly repayments are required. Paying only the minimum monthly